Thank you for your question..
Please advise -
What are you likely to earning in this tax year before you leave your job in FEb 2017?
How urgent is your need for these funds?
Thank you for your reply and for additional information.
You say you earn about £25k per annum and that you would be leaving your job in Feb 2017. That would make your earnings around £23k.
You need at least 50% of your pension pot making it around £22k.
Based on above, your total income would be (23,000+22,000) = £45,000 before tax and personal allowance and (45,000-11,000) £34,000 after personal allowance.
The first £32,000 would attract tax at standard rate of 20% and £2,000 would attract tax at 40% (tax of £800 instead of £400).
If you wish to mitigate this additional tax then you either take 45% of the pension pot before end of tax year or consider a small pension plan of upto £3,600pa for future use.
I hope this is helpful and answers your question.
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